Comprehensive Advocacy & Policyholder Services
At Optavise, buying a policy is just the beginning. We provide lifetime claims advocacy, annual rate benchmarks, prescription reviews, and digital vault storage at zero added cost.
When you face a hospital stay, accident, or life event, our dedicated claims advocate desk files paperwork and communicates with carriers on your behalf.
- Direct carrier adjuster liaison
- Expedited payout processing
- Zero claim filing fees for members
Uncover hidden coverage gaps, excessive premiums, and obsolete riders in your existing life and health insurance policies.
- Comprehensive multi-carrier benchmark
- Independent rate evaluation
- Identification of unnecessary exclusions
Prior to Medicare Open Enrollment and policy anniversaries, your counselor benchmarks your coverage against new market rates.
- Yearly rate benchmarking
- Prescription drug formulary checks
- Plan upgrade recommendations
Ensure your medications are covered in the lowest possible copay tiers under Part D and commercial health formularies.
- Formulary tier optimization
- Generic substitution savings
- Pharmacy network comparison
Enjoy lifetime access to licensed advisors who explain complex terms, compare options objectively, and support your family.
- Personalized 1-on-1 advisor
- 50-state licensing expertise
- Zero cost to the policyholder
Store, manage, and access all your family insurance certificates, ID cards, and beneficiary documents in one secure place.
- 256-bit HIPAA compliant encryption
- Instant digital ID card access
- Emergency contact sharing